Mulya.ai
Ticker
C
Scenario
Key Inputs
Revenue est.?Analysttaper yr4
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?18.8%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.131
Beta (levered) ?3.000
Terminal OM% ?21.0%
Segment conc. ?27% dominant
Terminal growth ?4.1%
Bond rating ?D · 15.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

C · Citigroup Inc.

$115.242026-05-17
Sector: Financial Services; Industry: Banks - Diversified; Sub-Industry: Diversified Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$206
+78.5% vs market
Base · active
$62
-46.2% vs market
Bear
$59
-49.0% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $59
Base $62
Market $115
Median $135
Bull $206
Market Price $115
Mulya.ai Base $62
Analysts Median $135
Mulya.ai IV range ($59 · $206)
Analysts Range ($87 · $152)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2021.Q4$79.9B34.4%19.8%$22.0B$37.3B$59.3B8.2%16.4%$134.3B$11.79
2022.Q4$100.2B25.5%18.8%19.4%$15.2B$23.9B$39.1B9.1%11.0%$141.6B$7.97
2023.Q4$155.4B55.0%8.3%27.3%$9.4B−$102.8B−$93.4B11.5%4.2%$301.6B$4.95
2024.Q4$170.7B9.9%10.0%24.7%$12.8B−$61.2B−$48.4B12.2%4.3%$301.1B$6.81
2025.Q4$168.3B-1.4%11.8%27.1%$14.5B−$112.2B−$97.8B10.8%5.2%$252.7B$7.6610.8
italics below = DCF projection · 10yr Rev CAGR: -2.7%
2026.Q4$90.9B+-46.0%22.9%26.4%$15.4B$0MM$15.4B17.8%$13.0B6.1%$252.7B$8.2514.0
2027.Q4$94.4B+3.8%28.0%25.7%$19.6B−$5.4B$14.2B16.9%$10.3B7.7%$258.1B$10.5510.9
2028.Q4$98.0B+3.8%30.7%25.0%$22.6B−$5.8B$16.8B16.0%$10.5B8.7%$263.9B$12.129.5
2029.Q4$101.7B+3.8%33.5%24.3%$25.8B−$6.3B$19.6B15.1%$10.6B9.7%$270.2B$13.868.3
2030.Q4$105.7B+3.9%33.5%23.6%$27.1B−$6.8B$20.3B14.1%$9.7B9.9%$276.9B$14.537.9
Term. Yr+$133.9B4.1%21.0%20.0%$22.5B−$10.7B$11.8B8.6%$72.6B8.6%
Active scenario IV: $62 (-46.2% vs market)